Hi LittleEm,
I'm sorry to hear that this has happened and that it is caused you so much inconvenience.
In relation to why an e-cheque was used rather than the balance on your account I would need to check the account to confirm that. I'd recommend giving customer service a call because they will be able to see what's happening and make it clearer for you.
I hope they can get things resolved for you quickly.
Rachael.
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